Roth IRA Calculator

2026

Calculate Roth IRA growth projections, tax-free withdrawals, and compare to Traditional IRA. 2025 contribution limits included.

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Balance at Retirement

$1,035,394.22

Total Contributions

$245,000.00

Tax-Free Growth

$790,394.22

Roth Advantage

$155,309.13

Roth vs Traditional IRA Comparison

Roth IRA

  • Contribute with post-tax dollars
  • Withdrawals in retirement are tax-free
  • Balance at retirement: $1,035,394.22
  • Tax paid on contributions: $53,900.00

Traditional IRA

  • Contribute with pre-tax dollars
  • Withdrawals taxed at retirement rate
  • Gross balance: $1,035,394.22
  • Tax at withdrawal (15.00%): - $155,309.13
  • Net after tax: $880,085.09

Roth IRA nets you $155,309.13 more at retirement given these tax assumptions.

Roth IRA Growth (Every 5 Years)

Age 30$7,490.00
Age 35$53,578.15
Age 40$118,219.16
Age 45$208,881.52
Age 50$336,040.17
Age 55$514,386.76
Age 60$764,527.08
Age 64$1,035,394.22

Contribution & Balance Detail

Age | Annual Contribution | Cumulative | Balance
Age 30 | $7,000.00 | $7,000.00$7,490.00
Age 35 | $7,000.00 | $42,000.00$53,578.15
Age 40 | $7,000.00 | $77,000.00$118,219.16
Age 45 | $7,000.00 | $112,000.00$208,881.52
Age 50 | $7,000.00 | $147,000.00$336,040.17
Age 55 | $7,000.00 | $182,000.00$514,386.76
Age 60 | $7,000.00 | $217,000.00$764,527.08
Age 64 | $7,000.00 | $245,000.00$1,035,394.22

2025 IRS Roth IRA contribution limit: $7,000 ($8,000 if age 50+). Income phase-outs may apply. Withdrawals of earnings before age 59.5 may be subject to taxes and penalties.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.